SBA 504 1st Mortages

CDC Capital Markets partners with Morgan Stanley to provide banks with access to 100% direct funding or purchases of SBA-504 first mortgages. With direct funding, Morgan Stanley books the first mortgage loan on its balance sheet. On purchases, the selling bank books the first mortgage loan on its balance sheet, then sells it to Morgan Stanley.

Banks can use this program to play offense and defense to win deals.

Offense:

Beat your competition while keeping the full client relationship

Earn unlimited dollar amount of fee income (up to 10 points)

Market our rates and terms as your own and get new business

Defense:

Refinance existing 504 1st mortgages so another lender doesn’t take loan and relationship

Do out of market deals nationwide so another lender doesn’t take loan and relationship

Eliminate legal lending limit issues to a single borrower since we book the loan